Search found 1185 matches

by bayview
Sat Sep 23, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3309

Re: AA if you were just starting out again

oldcomputerguy wrote:
Sat Sep 23, 2017 6:41 am
Anybody know why there's a 20-pound frozen turkey up in the light grid?
oldcomputerguy, I just have to ask about your signature. :D What provoked that question? And did you ever find out how the turkey got up there??
by bayview
Sat Sep 23, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3309

Re: AA if you were just starting out again

(1) I would have started earlier. (2) I would have used Roth IRAs more in contrast/ in addition to traditional 401k and TSP. (3) I might have been heavier in stocks, but still at least 10% fixed initially, dialing it back over the years, although I'm not particularly unhappy with what I did. (4) Sam...
by bayview
Sat Sep 23, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3387

Re: VG wants everyone to transfer to a brokerage account?

I got the email during the previous wave - two months ago?

The big "convert now!!!!" banners were on our accounts for maybe a month and then finally went away.

We are still non-brokerage.

--However, now I have the email again about the proxy vote, even though we voted last time. :oops:
by bayview
Wed Sep 20, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37657

Re: Equifax customer information leak

Just found this in my thrash on my e mail account. Sept 10th it arrived. This was about the same time I filled out the Equifax form which wanted my ss # Is this legit or another scam. I have not phoned them. Have not heard back from Equifax after they said I was probably impacted. ALERT! EQUIFAX HA...
by bayview
Tue Sep 19, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23133

Re: Calling out the not so rich bogleheads

Well, this thread sure went sideways from what I was expecting. I count myself among the not-so-rich Bogleheads. With retirement planned for ~3 years away, we will NEVER have the retirement savings that many post about here, but we're happy with the AA though and nervously confident in the retiremen...
by bayview
Sat Sep 16, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1013

Re: Considering rolling over Vanguard funds to TSP

Welcome to the Boglehead forums! I have both TSP and VG tIRA and rIRA. My husband also has his tIRA and rIRA at Vanguard. With respect, you might be micro-focusing on fees. The Vanguard fees are pretty miniscule. Granted, the TSP fees are even smaller, but you'd have to have a ton of money in TSP to...
by bayview
Fri Sep 15, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10229

Re: The 10 year car ownership "rule"

hulburt1 wrote:
Tue Sep 12, 2017 3:27 pm
4 cars buy new-(1995-223000,2004-170000,2007-122222 and a 1972 vw 25000 on engine)-I rent now when I take trips.
+1 for the renting option. Let Enterprise eat that mileage.

One car for two of us, 2002 Honda Accord, 220k+ miles, bought used in 2009, runs perfectly. * knock wood *
by bayview
Fri Sep 15, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable to adjust 401k allocation if you have a pension?
Replies: 20
Views: 1974

Re: Reasonable to adjust 401k allocation if you have a pension?

I recently started a position that offers a pension or a % match in a 401k. I opted for the pension thinking it could (operative word) be a good safety net in the future. If something were to happen before I'm vested in 5 years, the principle would be returned with 4% interest. However, the pension...
by bayview
Fri Sep 15, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Reasonable to adjust 401k allocation if you have a pension?
Replies: 20
Views: 1974

Re: Reasonable to adjust 401k allocation if you have a pension?

I recently started a position that offers a pension or a % match in a 401k. I opted for the pension thinking it could (operative word) be a good safety net in the future. If something were to happen before I'm vested in 5 years, the principle would be returned with 4% interest. However, the pension...
by bayview
Thu Sep 14, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 5533

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Actually, what shook me in 2009 wasn't the stock market, it was Wells Fargo closing my HELOC. Even though I didn't carry a balance, for years I treated it as my emergency fund. It never occurred to me that the bank might just close millions of them without notice at the worst possible time. That fo...
by bayview
Thu Sep 14, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 5533

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Folks, IMHO, the big elephant in the room is job security... KlangFool nisiprius, 1) 50% of my co-workers in my building were laid off on 1/1/2009. The whole building was empty. 2) The sad part for me is that this looks tame as compared to Asian Currency Crisis when I was in Asia. The whole country...
by bayview
Sat Sep 09, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37657

Re: Equifax customer information leak

Just froze credit online at Experian and Equifax. Very quick and simple. Since I am a senior, there is no charge in NC.. Good Lord, a consumer-friendly law in NC! I did not know that there was such a thing. :shock: :D Link to NC Attorney General website discussing this: http://www.ncdoj.gov/getdoc/...
by bayview
Fri Sep 08, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37657

Re: Equifax customer information leak

As a Fed, I was already a victim of the OPM breach. By now, I should be getting familiar with this... :? Here's what the message looks like: Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to conti...
by bayview
Thu Sep 07, 2017 3:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3944
Views: 1038237

Re: U.S. stocks in freefall

Does that effect or affect the market? I confuse the two. Effect is the noun. Affect is the verb. Generally true but "effect" can also be a verb in some contexts, such as in this example: "She was elected to effect change". Effect in this usage meaning to bring into existence. Once in my employment...
by bayview
Tue Sep 05, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 13836

Re: Re:

Why do you care? You will be dead. A great person would post such a thing and I for one miss sscritic. I believe him to be an upstanding citizen, and know him to be smart and caring to give you his wisdom and insightful advice free of charge. The Golden Rule: One should treat others as one would li...
by bayview
Sun Sep 03, 2017 12:38 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 13
Views: 1240

Re: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade

Here's where I reveal (once again) how oblivious I am to things: have you always posted these announcements on every sub-forum? I don't ever remember seeing them before.

(The only time I come to this particular board is when I think BH had gone offline a bit before.)
by bayview
Sun Sep 03, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: a list of major factor asset classes
Replies: 12
Views: 961

Re: a list of major factor asset classes

selftalk wrote:
Sun Sep 03, 2017 6:55 am
This factor based investing style has me stumped as I`m used to the old fashioned way. I can`t seem to grasp it.
I follow the advice to NOT invest in something that I don't understand. I sleep a lot better at night for it.
by bayview
Sun Sep 03, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13117

Re: Another bay area housing thread..

Carefreeap wrote:
Sat Sep 02, 2017 1:02 pm

...And BTW I hope your weather is nice in Seattle. Here in Pacifica we hit 101 at the beach. Hasn't happened in 30 years. Can't imagine how hot it is in San Mateo.
DH wants to know if during the 101 degrees, it was still foggy. :twisted:
by bayview
Sun Sep 03, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: How can I take advantage of a low-income year?
Replies: 23
Views: 1955

Re: How can I take advantage of a low-income year?

Assuming this is done, and the conversion is sitting in the conversion rIRA, and we confirm that we don't need to re-characterize, then what? Move the funds from the c-rIRA (this is getting confusing) to the original rIRA, and start over again for the next year? Yes, although you may want to wait u...
by bayview
Sun Sep 03, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4227

Re: Estate Administration Question

When I settled my Dad's estate I was able to do everything EXCEPT sell his condo. Fortunately I had kept enough funds in reserve to pay insurance and homeowners fees. But it took a very long time to sell, and ultimately I ran out of reserve and had to retrieve $$ from brother and sister. They weren...
by bayview
Sun Sep 03, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3019

Re: Evaluating new job offer

thomasbayarea wrote:
Sat Sep 02, 2017 9:11 pm
I accepted the offer :sharebeer
He took it. :D
by bayview
Sun Sep 03, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: How can I take advantage of a low-income year?
Replies: 23
Views: 1955

Re: How can I take advantage of a low-income year?

This is the perfect year for you to convert some of that TIRA. Always convert into a new (empty) Roth instead of an existing one, in case you find that you need to recharacterize (un-do) some of the conversion later on... This is our first year to do significant (for us :D) Roth conversions. In the...
by bayview
Sun Sep 03, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1086

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

I take our last year's effective tax rate (not tax bracket), add 1%, and jiggle around the allowances, plus additional cash w/h if needed, to wind up with a figure that equals that effective tax rate + 1% for the year. In families who have more than one W-2 style income, I think W-4's are pretty muc...
by bayview
Sat Sep 02, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: GLOBAL 1M$ Conservative Growth Portfolio?
Replies: 25
Views: 1830

Re: VHGEX & VFITX(VFIUX) 1M$ Conservative Growth Portfolio?

I've gotten tired of debating with myself whether to lean more toward equity or more toward fixed in retirement, so I have to say that 50/50 is looking better and better. It seems to avoid a lot of the hand-wringing, because neither side "wins." It's like when two children fight over a piece of cake...
by bayview
Sat Sep 02, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4426

Re: Robert Kiyosaki - rich dad, poor dad

VictoriaF wrote:
Sat Sep 02, 2017 7:58 am
bayview wrote:
Sat Sep 02, 2017 7:50 am
stemikger wrote:
Sat Sep 02, 2017 7:25 am

lol. I will add one to your list. Everything Men know about Women. It's 300 blank pages.
* blots sprayed coffee off of keyboard * :D
Here is a data point about women: We have a sense of humor.

Victoria
:sharebeer
by bayview
Sat Sep 02, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4426

Re: Robert Kiyosaki - rich dad, poor dad

stemikger wrote:
Sat Sep 02, 2017 7:25 am

lol. I will add one to your list. Everything Men know about Women. It's 300 blank pages.
* blots sprayed coffee off of keyboard * :D
by bayview
Sun Aug 27, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1280

Re: USAA Auto Insurance Increase

A question sparked by another thread: If you switch your USAA insurance policy to another firm, could you lose your eligibility for your current level of membership? I've been USAA CIC (father was Army officer) for 40-some years now. We have bank accounts at USAA as well. If we feel we have to go ra...
by bayview
Sun Aug 27, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: approaching 70, and a totally new situation.
Replies: 31
Views: 4152

Re: approaching 70, and a totally new situation.

gabe1955 wrote:
Sun Aug 27, 2017 12:54 pm
Thanks. Perhaps there is no reason to change. But I'm going from zero to a large tax bite. And was hoping to find a way to minimize it.
Perhaps it's a bit late, but Roth conversions.
by bayview
Sun Aug 27, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 389
Views: 59856

Re: New Book: Living off Your Money (Michael McClung)

I just bought the paperback from Amazon for $28. I did not know this when I ordered it, but a pdf version is available on the book's website (not on Amazon) for $35. I would have much preferred the pdf to the paperback, had I known. The hardback is currently out of stock on Amazon. Is the paperback...
by bayview
Sat Aug 26, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6585

Re: Bosch dishwasher?

We bought this Bosch d/w two years ago, and we love love love it: SHP65T55UC If you yank the bottom drawer, yes, it can come off the rails, and you just put it back on. What, it's an inch off the tracks? How complicated is that? Pretty sure that ours doesn't have a separate drying element, but we ju...
by bayview
Sat Aug 26, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sigh...I'm ready for criticism...how am I doing?
Replies: 50
Views: 6632

Re: Sigh...I'm ready for criticism...how am I doing?

The house does need some repairs and we had a buyer but he lost financing. All our equity is essentially gone since the market has depreciated and about $20k in repairs are needed. If we rent it, we will use property management. Nice thread title! I agree with others that you are doing well. As som...
by bayview
Sat Aug 26, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1280

Re: USAA Auto Insurance Increase

We are USAA CIC, and no rate increase yet, but we're only halfway through our current 6-month policy. Since we tend to ignore the tons of emails from USAA (we have lots of separate policies), thank you for bringing this to our attention. We will go onto full alert by late October or early November.
by bayview
Sat Aug 26, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4403

Re: Kitchen knife set. Good quality - Recommendations

I've had my Henckels Twin Pro S knives for +30 years now (aka Zwilling Professional S), and I would ask to be buried with them, except that I want to pass them on. The line isn't made any more, as best as I can tell, but you can still find them on Amazon, CutleryandMore.com, etc. If you want to get ...
by bayview
Sat Aug 26, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 5931

Re: Stocks On Sale - What do you buy?

If stocks go "on sale", I just buy whatever I already invest in. I know that I am prone to chasing bunnies (going off-plan), so being aware of that, I just keep buying whatever I already invest in, at whatever proportion and amount needed to get back to my AA.

Boring, I know. 8-)
by bayview
Sat Aug 26, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: My Mom's portfolio
Replies: 14
Views: 1368

Re: My Mom's portfolio

For OP's sake :D , let's give him/her the chance to come back and note if:

1) His mom asked him for help

2) His mom specifically said that she has a legacy interest as well as taking care of herself during her lifetime.

If OP can confirm these two points, then we can perhaps give useful advice.
by bayview
Sat Aug 26, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected By Two Banks For an On-Line Savings Account….why?
Replies: 24
Views: 3411

Re: Rejected By Two Banks For an On-Line Savings Account….why?

I was denied when I applied for a checking account at an online bank despite having decades of banking and financial history with no negatives at all. Turns out they used some credit bureau that was not one of the big four but was one that I had never heard of and which apparently had no informatio...
by bayview
Mon Aug 21, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3036

Re: Advantages of Having No Credit Score

You can have a credit score and be debt free. No you cannot. You have to use some form of credit (debt) to maintain a credit score. Even if your using a credit card and paying it off every month that is a form of debt. You can use a credit card and pay it off the moment it posts. So OK, I suppose y...
by bayview
Sat Aug 19, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 479

Re: Newbie starting new job: Help choosing investments

I suppose, just to be contrary :D , I might go with TIAA for access to the real estate fund, IF you can contribute at least as much to your 457. For the TIAA traditional annuity, do you know the terms on it? There seem to be a dizzying variety of plans, with differing rates and withdrawal options. T...
by bayview
Sat Aug 19, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7117

Re: DUI lawyer - need advice

For those who advise allowing the DC to "learn a life lesson" (and I'm a mother; I understand), you might want to realize that having a DUI on your record can make it difficult to get a job, or a new job, for some period of time. I guess if I had a kid in that situation, I'd get a lawyer in hopes of...
by bayview
Sat Aug 19, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 7431

Re: IBonds: My worst bond investment over the last 5 years

You're comparing a lot of different kind of fruits there over a short time period. Don't confuse outcomes with strategy. In poker we call this "playing results." My point was that few would have predicted this 5 years ago, including myself. That's all. Perhaps few would have predicted the low infla...
by bayview
Fri Aug 18, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15976

Re: Lost $7000 today in ONE DAY!

Hi everyone, I lost $7000 today in one day. My portfolio is below. Ironically, I've just returned from a store where I was arguing with a cashier over 0.50 cents! Got home and saw that the portfolio went down by $7k... :oops: Should I change the allocation if this kind of downswing bothers me? :con...
by bayview
Thu Aug 17, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6267

Re: Market timing alert !!

prettybogle wrote:
Tue Aug 15, 2017 9:21 pm
Today, We bought $10,000 worth of vgtsx, total international index. Red alert - There will be significant correction to the downside very soon :D :D
Dang, you're good at this!

Are you sure you didn't buy total US as well? :D
by bayview
Thu Aug 17, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3944
Views: 1038237

Re: U.S. stocks in freefall

You mean early in the accumulation phase? :mrgreen: Deep in the phase you have a lot of money you really don't want to lose. Haha, you're right of course. I meant early or in the middle of the accumulation phase. Though now that I think about it, you'd want it in the late phase too. Rather have had...
by bayview
Mon Aug 14, 2017 8:10 pm
Forum: Forum Issues and Administration
Topic: Software Updated to phpBB 3.2.1
Replies: 38
Views: 2560

Re: Software Updated to phpBB 3.2.1

Really, the only negative that I've found, and it's fairly minor, is that the icons to edit a post are very faint, making them appear to be greyed out (unusable.) Since I can't really describe it better than that, start a reply to this post, and look at the icons for bold, italics, underline, etc. I...
by bayview
Mon Aug 14, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 4488

Re: Bernstein's Simpleton's Portfolio

donebyforty wrote:
Mon Aug 14, 2017 7:37 pm
Just want to say thanks again for everyone who commented, especially Bill Bernstein because, I mean, how does that even happen?

We'll stick with the plan and, as the Simpleton's Portfolio demands, keep it simple. :)
Bragworthy, IMO. :sharebeer
by bayview
Mon Aug 14, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2361

Re: All in stocks: Where to go now?

I would say the philosophical change is more a quite nervousness about the world. Not a worry or nervousness but more a wanted comfort from more liquidity if things go south and a willingness to give up some returns for it. A quiet nervousness is your brain's way of telling you that it's not all th...
by bayview
Mon Aug 14, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Matching VTTSX 2060 to TSP fund?
Replies: 16
Views: 1151

Re: Matching VTTSX 2060 to TSP fund?

Yeah, it's just ridiculous to blow off free money, IMO. And who knows, you might have a use for a stable value income stream one day. I don't know if this has been mentioned on any of the threads, but you might want to read The White Coat Investor by Jim Dahle, who also posts here. Physicians have s...
by bayview
Mon Aug 14, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6828

Re: It's easy to have an investment plan until you get punched in the face

sixtyforty wrote:
Mon Aug 14, 2017 9:35 am
One's ability to stick with buy and hold is inversely proportional to the frequency they look at their accounts.
This is certainly not true for everyone. :happy
by bayview
Mon Aug 14, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Matching VTTSX 2060 to TSP fund?
Replies: 16
Views: 1151

Re: Matching VTTSX 2060 to TSP fund?

Not to threadjack, What do you guys think of this asset allocation (adapted from BrainMc), but modified a bit: C: 70% S: 10% (edit by bayview) I: 10% F: 5% G: 5% Mostly because I feel like I need to have some small cap and international, but not too much. Your thoughts welcome. C fund is S&P 500. S...